美国的按揭利率在2025年12月底上升,但保持在6.5%左右,尽管承受能力有困难,但仍支持了住房需求。 U.S. mortgage rates edged up in late December 2025 but stayed near 6.5%, supporting housing demand despite affordability challenges.

美国的长期抵押贷款利率在2025年12月底略有上升,但保持在年最低水平,保持历史最低水平并支持住房市场需求。 U.S. long-term mortgage rates rose slightly in late December 2025 but held near their lowest level of the year, remaining historically low and supporting housing market demand. 尽管略有增长,但利率仍然保持在6.5%左右,这得益于温和的通货膨胀、稳定的就业增长以及美联储谨慎的利率政策。 Despite minor increases, rates stayed around 6.5%, aided by moderate inflation, steady job growth, and the Federal Reserve’s cautious interest rate policy. 购房者和再融资者继续从优惠融资中获益,尽管在高成本领域,可负担性仍然是一项挑战。 Homebuyers and refinancers continued to benefit from favorable financing, though affordability remains a challenge in high-cost areas. 市场稳定将持续下去,如果通货膨胀趋势好转,预期2026年初可能降低利率。 Market stability persists, with expectations of potential rate cuts in early 2026 if inflation trends improve.